Mortgage Refinance Rates in Coffee County, Tennessee (2026)
Homeowners in Coffee County — anchored by Coffee County — are watching refinance rates closely. On a typical $269,000 balance, dropping from about 7.50% to 6.25% trims roughly $225 a month off principal and interest.
Coffee County rate-and-term refinance
On a representative $269,000 loan in Coffee County, the before-and-after looks like this:
| Monthly Principal & Interest | Amount |
|---|---|
| Current loan at ~7.50% | $1,881 |
| After refinancing at ~6.25% | $1,656 |
| Estimated monthly savings | $225 |
Figures assume a 30-year term and Tennessee escrows — your actual numbers move with your credit and loan size. Get alerts when rates drop.
Coffee County refinance by loan size
The larger your balance, the more a rate drop returns — three Coffee County examples:
| Balance | Now (~7.50%) | Refi (~6.25%) | Monthly Saved |
|---|---|---|---|
| $188,000 | $1,315 | $1,158 | $157 |
| $269,000 | $1,881 | $1,656 | $225 |
| $363,000 | $2,538 | $2,235 | $303 |
Coffee County payment by interest rate
Payments on a $269,000 loan near Coffee County at several rates — a small rate move is real money:
| Rate | 30-yr P&I | 15-yr P&I |
|---|---|---|
| 5.50% | $1,527 | $2,198 |
| 5.75% | $1,570 | $2,234 |
| 6.00% | $1,613 | $2,270 |
| 6.25% | $1,656 | $2,306 |
| 6.50% | $1,700 | $2,343 |
| 6.75% | $1,745 | $2,380 |
| 7.00% | $1,790 | $2,418 |
A 15-year refinance of $269,000 near Coffee County runs about $2,306/month versus $1,656 on a 30-year — a higher payment near Coffee County but far less total interest over the life of the Coffee County loan.
Coffee County cash-out options
Need cash for a project near Coffee County? An 80%-LTV cash-out refinance frees up about $47,800 of your Coffee County equity in a single new loan.
| Cash-Out Figure | Amount |
|---|---|
| Estimated home value | $396,000 |
| Typical current balance | $269,000 |
| 80% LTV ceiling (new loan) | $316,800 |
| Estimated cash available | $47,800 |
In Coffee County, Tennessee, property taxes average roughly 0.66% of value, so escrow on a $396,000 home adds about $218/month beyond principal and interest. A $269,000 balance sits near 68% loan-to-value, leaving about $127,000 in equity — room for a rate-and-term refinance now and a cash-out later around Coffee County.
Conforming & jumbo limits in Coffee County
Coffee County's 2026 conforming limit is $806,500 for a single-family home — the national baseline used across most of the South. Refinance a balance above it and you are in jumbo territory, which carries its own rates and guidelines.
- Coffee County value about $396,000 with a $269,000 balance (~68% LTV).
- Monthly savings near $225; break-even around month 30 on $6,725 of costs.
- Five-year net of about $6,751 and cash-out room near $47,800.
- Conforming limit $806,500; current equity roughly $127,000 near Coffee County.
Lower Your Payment — Free Alerts
We watch the market so you can move at the right moment — free, no pressure.
Frequently Asked Questions
- What could a refinance save me in Coffee County?
- On a typical $269,000 balance, moving from about 7.50% to 6.25% saves roughly $225/month in principal and interest. Your savings depend on your current rate, balance, and term.
- What is my cash-out limit in Coffee County?
- Conventional cash-out refinances are capped at 80% of appraised value. On an estimated $396,000 Coffee County home with a $269,000 balance, that is about $47,800 in available cash.
- When does a Coffee County refinance turn jumbo?
- The 2026 conforming limit is $806,500 for a one-unit home (the national baseline). Refinances above that are jumbo loans.
- How fast do I break even in Coffee County?
- Divide your closing costs (about $6,725 here) by your monthly savings. In this example you break even near month 30 — refinance only if you will keep the home past that.
- How much equity is in a typical Coffee County-area home?
- On an estimated $396,000 value with a $269,000 balance, that is about $127,000 in equity — roughly 32%. A conventional cash-out requires you to keep 20%.
- Is now a good time to refinance in Coffee County?
- A common rule of thumb: refinance when you can cut your rate by about 0.75 to 1% and stay past your break-even (near month 30 here). On a $269,000 Coffee County balance, that move is worth roughly $225 a month.